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Introduction
Keeping
Banking
Simple
Easy
Account
understand
your bank fees.
Personal Pricing Guide
1 July 2014 - 30 June 2015
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Account
Youth (Fluid)
Account
and Islamic
account
Student
(Lifestart)
Account
Savings
Account
Credit Card
eWallet
Forex
2014 - 2015
Global
accounts
MoneyGramTM
The Small
Print
Home
Introduction
Congratulations on making the right choice and banking with
FNB. This guide has everything you need to understand how your
bank fees are charged. It will also help you use your account in the
safest and cheapest way.
Prices include VAT and are valid from 1 July 2014 to 30 June 2015. The fees outlined in this guide are
FNBs most common fees for a detailed list of fees on your account, please visit www.fnb.co.za or chat to
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
You pay no fees when you use your FNB Debit, Cheque or Credit Card to pay
Access to Cellphone Banking, Online Banking and the FNB Banking App (there are no subscription fees)
For FNB to change your debit orders and switch your salary to your new account
FREE InContact; well SMS you every time more than R100 goes into, or out of, your account
Cash@TillTM; no charge for withdrawing cash at till points at selected retailers when you use your Card to
pay for your shopping
FNB ATM
Online Banking
Cellphone Banking
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Here are some easy and cost-effective ways of banking. You are welcome to visit any FNB branch
any time if you have questions, want to know more about your account or need more information.
You can also call 087 575 9404 for help.
1. Go cashless
Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy
to steal or lose cash)
Paying for shopping with your FNB Card is cheaper and safer than using cash
Doing your banking at an FNB ATM, Online Banking or using your cellphone is quicker and cheaper
than going into a branch
The cheapest way to get money into your account is by electronic transfer
If you want to put cash into your account use an FNB ATM, and your cash will be available in your
account straight away. You can deposit your money any time (day or night)
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
Checking your balance with FNB is FREE do this to make sure that you always have enough money
in your account for your debit orders. If you do not have enough money for a debit order, you may be
charged additional fees and this may affect your credit record.
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Introduction
3. Use Cellphone
Banking
Did you know you can do most of your banking using your cellphone?
Cellphone Banking is quick, safe, easy and works on any cellphone.
With Cellphone Banking you can:
Buy Prepaid Airtime and data by dialling *130* 321# (even if you have no airtime)
Dial *120*321#
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Easy Account
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
A straightforward Bank Account meant for day-to-day transacting, no extras and no hidden costs plain,
simple banking. You spend less on bank fees every month, which means you have more money to pay for the
things that are important to you.
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Fee
Monthly Fees
Monthly Account Fee
R4.95
FREE
InContact
FREE
FREE
FREE
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Cash Withdrawals
Cash@Till
FNB ATM
FREE
R4.55 per R1 000 (Max R9.10)
Social Grant
Stokvel
Account
R4.55
R4.55
Smart Save
Account
R9.10
Credit Card
Deposits
Cash Deposit at FNB ATM
eWallet
R4.55
Post-dated Cheque
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Fee
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
R3.20
FREE
FREE
Using eChannels
FREE
FNB Branch
R43.00
Payments
Stop Orders (Scheduled Payments)
FREE
R3.20
FNB Branch
R43.00
Debit Orders
Internal
R1.50
External
R3.20
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Online
FREE
Branch
R11.50
Balance Enquiries
Stokvel
Account
Smart Save
Account
FREE
Point-of-Sale
FREE
Credit Card
R3.00
eWallet
R3.30
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Transaction Description
Fee
Statements
FNB ATM Transaction List
R3.20
R3.20
Historical Statements
Branch Statements
FREE
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM
R7.50
R38.00
R1.50
R40.00
R8.50
Send Money
Send Money to an eWallet
R6.00
R20.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
R3.00
R3.00
Mzansi
Account
Social Grant
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Stokvel
Account
Smart Save
Account
Credit Card
R0.70
SMS
R1.10
Fax
R5.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Fee
Other Fees
Online Banking Password Reset (Consultant Assisted)
R55.00
R4.35
R130.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a
combination of electronic and manual transactions. You are charged for each transaction at the applicable fee.
For this low monthly fee you will also get:
FREE Card purchases
FREE cash withdrawals using Cash@TillTM
FREE mini statements and balance enquiries using Mobile Channels
Please note that fee rebates are no longer offered on the Pay-As-You-Use Pricing Option.
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
Home
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Unlimited
Pay-As-You-Use
R49.00
R12.00
Monthly Fees
Monthly Account Fee
Online and Cellphone Banking Subscriptions
FREE
InContact
FREE
FREE
FREE
2.75% of transaction value
Cash Withdrawals
Cash@Till
FNB Mini ATM/Slimline
Other Banks Mini ATM
FNB ATM
FREE
R4.00 per
R500.00
FREE
R6.70 per
R500.00
R28.00
R43.00 + 1.61% of
withdrawal value
Easy
Easy
Account
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
R28.00 + 1.61%
of withdrawal
value
Social Grant
Smart Save
Account
R43.00 + 1.61%
of withdrawal
value
Deposits
Cash Deposit at FNB ATM
Keeping
Banking
Simple
Smart
Account
and Islamic
Smart
Account
Card Purchases
Pay with your card
Introduction
Stokvel
Account
Credit Card
R85.00
eWallet
Forex
R1.10
Global
Accounts
R8.50
R8.50
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
FREE
R1.00
Using eChannels
FREE
R3.50
R35.00
FNB Branch
R43.00
Introduction
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Payments
Using Mobile Channels
FREE
R1.00
Using eChannels
FREE
R7.00
R35.00
FNB Branch
R43.00
Bank Cheque
R80.00
Encore
Cheque
Accounts
Debit Orders
Internal
FREE
R3.70
External
FREE
R7.50
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
FREE
Branch
R11.50
Balance Enquiries
Using eChannels & Mobile Channels
FREE
Point-of-Sale
R1.40
International Point-of-Sale
R2.50
R4.20
R4.20
Statements
Cellphone Banking Mini Statement
FREE
R3.00
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Pay-As-You-Use
Statements
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
FREE
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM
R7.50
R80.00
Personalised Card
R115.00
R1.50
R40.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
R8.50
Savings
Account
R20.00
R3.00
R3.00
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
R0.70
SMS
R1.10
Fax
R5.00
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Pay-As-You-Use
Other Fees
Card Courier Fee
R95.00
R55.00
R4.35
Cash Swap
Account Overdrawn Fee (when your Account Limit has been exceeded)
R57.00
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid
agreement exists)
R130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
A Personal Cheque Account from FNB offers you so much more than just a Bank Account - it offers you
functionality and flexibility, allowing you to manage your money in the best way possible. All Personal Cheque
Account Customers have access to the following:
Bank
FREE InContact; well SMS you every time R100 or more goes into, or out of your account
Cash@TillTM; no charge for withdrawing cash at tillpoints at selected retailers when you use your card to pay
for your shopping
You dont pay transactional fees when you swipe your Personal Cheque Card, no matter how big, or small
your purchase is
Save
Overdraft: offers you instant access to short-term credit so youll have money to cover unexpected
expenses, and you only pay when you use it
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
A FREE Savings Account (Savings Pocket) linked to your Personal Cheque Account: keep your savings
separate from your day-to-day-banking, while you enjoy easy access to your money and a competitive
Introduction
Temporary Loan: a short-term loan which should be repaid in 31 days, where any deposits into your
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
Personal Cheque Account will be used to pay off the loan amount
Revolving Loan: once you have repaid 15% of your original loan amount, you will again have access to those
eWallet
Lifestyle
For your convenience, we can deliver your FNB Personal Cheque Card to your home or office
You could qualify for a new smartphone or laptop at discounted prices over a 24-month period with 0% interest
Global
Accounts
MoneyGram
The Small
Print
Home
eBucks Rewards*
Three pricing options are available to ensure you always get exactly what you need, without paying too much:
NEW
Debit Orders
Card Purchases
Payments and transfers using eChannels and Mobile Channels
Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a
combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For
a low monthly fee you also get:
FREE card purchases
FREE cash withdrawals using Cash@TillTM
FREE transactions using Mobile Channels which include: Transfers and payments, mini statements and
balance enquiries
Pay-As-You-Use pricing option is not applicable to One Account.
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Introduction
Bundled
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
N/A
R100.00
R31.50
Easy
Easy
Account
Account
R199.00
R145.00
R40.00
R174.00
R120.00
N/A
Monthly Fees*
Gold Cheque Account & Islamic Gold Cheque Account
R190.00
N/A
FREE
InContact
FREE
FREE
Device Payment**
R14.50
Youth (Fluid)
Account
and Islamic
Youth Account
Card Purchases
Pay with your card
Commission and Currency Conversion Fee on
International Card Purchases
FREE
2.75% of transaction value
Petrol Card
Student
(Lifestart)
Account
R4.75
Cash Withdrawals
Savings
Account
Cash@Till
FNB Mini ATM/Slimline
Other Banks Mini ATM
FNB ATM
FREE
R4.00 per
R500.00
FREE
R6.70 per
R500.00
R43.00
Mzansi
Account
Social Grant
FNB Branch/Cheque
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Device dependant
Petrol Card
Smart
Account
and Islamic
Smart
Account
Stokvel
Account
Smart Save
Account
Credit Card
R28.00
eWallet
R43.00 + 1.61% of
withdrawal value
R43.00 + 1.61%
of withdrawal
value
Forex
R28.00 + 1.61%
of withdrawal
value
* An additional monthly Exchange Control Administration Fee of R13.00 will be levied on Non-Resident Cheque
accounts.
** Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the
monthly device payment applicable.
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Bundled/
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
FREE
FREE
Using eChannels
FREE
Easy
Easy
Account
Account
R3.50
R35.00
FNB Branch
R43.00
Smart
Account
and Islamic
Smart
Account
Payments
Using Mobile Channels
Using eChannels
Introduction
FREE
FREE
R7.00
R35.00
FNB Branch/Cheque
R43.00
Bank Cheque
R80.00
Encore
Cheque
Accounts
Debit Orders
Internal
FREE
R3.70
External
FREE
R16.00
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Online
FREE
Branch
R11.50
Stokvel
Account
Smart Save
Account
Deposits
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Credit Card
eWallet
R85.00
R 80.00 (per cheque)
Forex
Global
Accounts
MoneyGram
The Small
Print
Print
Home
Transaction Description
Bundled/
Unlimited
Pay-As-You-Use
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
R8.50
R8.50
Balance Enquiries
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
FREE
Point-of-Sale
R1.40
International Point-of-Sale
R2.50
R4.20
R4.20
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
FREE
Encore
Cheque
Accounts
FREE
FREE
R3.00
Statements*
Posted/Printed Statement
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
FNB ATM
FREE
Social Grant
R7.50
Stokvel
Account
Smart Save
Account
Credit Card
R115.00
R115.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Bundled/
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
Credit Fees
Monthly Credit Service Fee (only pay when you use R200 or more of
your Overdraft)
R57.00
Rebate on Monthly Credit Service Fee (when you do not use more than
your Overdraft Limit)
R25.00
R57.00
Rebate on Monthly Credit Service Fee (when you do not use more than
your Revolving Loan Limit)
R17.00
Easy
Easy
Account
Account
R5 700.00
Valuation/Revaluation Fee
R1 400.00
R40.00
FREE
R 20.00 (per side)
R1.50
R40.00
Introduction
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Send Money
Send Money to an eWallet
R8.50
R20.00
Smart Save
Account
Credit Card
R45.00
R70.00
R105.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Bundled/
Unlimited
Transaction Description
Pay-As-You-Use
Online
Paper
Daily
R46.00
Weekly
R21.00
Twice Monthly
R11.50
Daily
R85.00
Weekly
R34.00
Twice Monthly
R17.00
R3.00
R3.00
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Email
R0.70
SMS
R1.10
Fax
R5.00
Other Fees
Card Courier Fee
Device Courier Fee
R95.00
Device dependant
R200.00
R55.00
R4.35
Cash Swap
Account Overdrawn Fee (when your Account Limit has been exceeded)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and
valid agreement exists)
Optional Roadside Assistance on your qualifying Cheque Card
Cash Centre Deposit: Error in Cast
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
R5.50
Forex
R55.00
Global
Accounts
MoneyGram
The Small
Print
Two pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account, and always
be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels
and Mobile Channels. Qualifying transactions include:
Debit orders
Card purchases
Payments and transfers using eChannels and Mobile Channels
Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month.
Standard Pricing Option: This option is ideal if you are able to maintain the specified credit balance at ALL times.
1. Cheque Balance Option: you will not pay the monthly Account Fee if you are able to maintain at least
R5 000 in your Encore Cheque Account. This option includes:
a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions
(excluding all cash and cheque deposits) per month
2. Savings Pocket Option: you will not pay the monthly Account Fee if you pledge at least R10 000 in your
Savings Pocket linked to your Encore Cheque Account. This option includes:
a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions
(excluding all cash and cheque deposits) per month
Home
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Unlimited
Standard
R95.00
R105.00
R95.00
R105.00
Introduction
Keeping
Banking
Simple
Monthly Fees
FREE
InContact
FREE
FREE
Petrol Card
R14.50
N/A
R5 000
N/A
R10 000
Card Purchases
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
FREE
2.75% of transaction value
Petrol Card
FREE
Cash@Till
FREE
FREE
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Cash Withdrawals
FNB ATM
Easy
Easy
Account
Account
Savings
Account
Mzansi
Account
Social Grant
R23.00
FNB Branch
R43.00 + 1.61%
of withdrawal
value
R23.00^ + 1.61%
of withdrawal
value
R43.00 + 1.61%
of withdrawal
value
R23.00^ + 1.61%
of withdrawal
value
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
^ Fees included in combination of three free branch and cheque transactions when you maintain the
Minimum Balance.
TM
MoneyGram
The Small
Print
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Transaction Description
Standard
Unlimited
Keeping
Banking
Simple
FREE
Using eChannels
FREE
FREE
Easy
Easy
Account
Account
R35.00
R 12.50^
FNB Branch
R43.00
R 23.00^
Payments
Using Mobile Channels
FREE
Using eChannels
FREE
R35.00
R 12.50^
FNB Branch/Cheque
R43.00
R 23.00^
Bank Cheque
R80.00
Debit Orders
Internal
FREE
External
FREE
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Online
FREE
Branch
FREE
Deposits
Cash Deposit at FNB ATM
Introduction
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
R85.00
Forex
^ Fees included in combination of three free branch and cheque transactions when you maintain the
Minimum Balance.
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Standard
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
R8.50
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
R 8.50^
Balance Enquiries
Smart
Account
and Islamic
Smart
Account
FREE
Point-of-Sale
FREE
International Point-of-Sale
FREE
R4.20
R4.20
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
FREE
Encore
Cheque
Accounts
FREE
FREE
R3.00
Statements*
Posted/Printed Statement
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
FNB ATM
FREE
Social Grant
R7.50
Stokvel
Account
Smart Save
Account
Credit Card
R80 .00
R115.00
R115.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Standard
Keeping
Banking
Simple
Credit Fees
Monthly Credit Service Fee (only pay when you use R200 or more of
your Overdraft)
R57.00
Rebate on Monthly Credit Service Fee (when you do not use more than
your Overdraft Limit)
R25.00
R57.00
Rebate on Monthly Credit Service Fee (when you do not use more than
your Revolving Loan Limit)
R17.00
Easy
Easy
Account
Account
R40.00
FREE
R1.50
R40.00
Introduction
Send Money
Send Money to an eWallet
R8.50
R20.00
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
R45.00
R70.00
Social Grant
R105.00
Stokvel
Account
Online
Paper
Smart Save
Account
Daily
R46.00
Weekly
R21.00
Twice Monthly
R11.50
Daily
R85.00
eWallet
Weekly
R34.00
Forex
Twice Monthly
R17.00
Credit Card
Global
Accounts
MoneyGram
The Small
Print
Home
Home
Transaction Description
Unlimited
Standard
R3.00
R3.00
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Email
R0.70
SMS
R1.10
Fax
R5.00
Other Fees
Card Courier Fee
Device Courier Fee
R95.00
Device dependant
R200.00
R55.00
R4.35
Cash Swap
Account Overdrawn Fee (when your Account Limit has been exceeded)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and
valid agreement exists)
Introduction
Keeping
Banking
Simple
Simple
Easy
Easy
Account
Account
Easy
Smart
Account
and Islamic
Smart
Smart
Account
Personal
Smart
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
R130.00
Social Grant
R5.50
R55.00
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
This account offers great savings on fees while teaching young children and teens the ins-and-outs of
saving and banking wisely.
Two pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
always be in control of what you pay. On this option you get unlimited qualifying electronic transactions
using eChannels and Mobile Channels. Qualifying transactions include:
Debit orders
Card purchases
Youth (Fluid)
Account
and Islamic
Youth Account
You also get four FREE FNB ATM withdrawals every month.
Student
(Lifestart)
Account
Standard Pricing Option: You will not pay a monthly Account Fee if you keep a minimum of R500 in your
Savings
Account
account at all times. You will also get two FREE debits per month, after which you will be charged an
applicable fee per transaction. These include:
Debit orders
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
We are pleased to offer you the option of choosing a Shariah compliant Youth Account. For more
information please contact the Islamic Banking contact centre on 0861 786 788.
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Unlimited
Standard
R24.50
R6.00
Monthly Fees
Monthly Account Fee
Online and Cellphone Banking Subscriptions
FREE
InContact
FREE
N/A
R500
FREE
Encore
Cheque
Accounts
FREE
Cash Withdrawals
Cash@Till
FNB Mini ATM/Slimline
Other Banks Mini ATM
FNB ATM
R4.00 per
R500.00
FREE
R6.70 per
R500.00
R28.00
R43.00 + 1.61% of
withdrawal value
R43.00 + 1.61%
of withdrawal
value
R28.00 + 1.61%
of withdrawal
value
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Easy
Easy
Account
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Card Purchases
Keeping
Banking
Simple
Smart
Account
and Islamic
Smart
Account
Introduction
FREE
Credit Card
R3.50
R35.00
FNB Branch
R43.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Standard
Keeping
Banking
Simple
Payments
Using Mobile Channels
FNB ATM, Online, Telephone (IVR) & Scheduled
FREE
FREE
R7.00
R35.00
FNB Branch/Cheque
R43.00
Bank Cheque
R80.00
Internal
FREE
R3.70
External
FREE
R16.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
FREE
Branch
R11.50
Deposits
Cash Deposit at FNB ATM
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Debit Orders
Online
Introduction
R85.00
R 80.00 (per cheque)
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
R8.50
R8.50
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Standard
Balance Enquiries
Using eChannels & Mobile Channels
FREE
Point-of-Sale
R1.40
International Point-of-Sale
R2.50
R4.20
R4.20
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Statements
Cellphone Banking Mini Statement
FREE
R3.00
FREE
R7.50
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
R80.00
Mzansi
Account
Social Grant
R40.00
R4.25 + (R6.70 per R500.00)
Stokvel
Account
R8.50
Smart Save
Account
R20.00
Credit Card
eWallet
My Limit Alert
R3.00
R3.00
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Standard
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Email
R0.70
SMS
R1.10
Fax
R5.00
Other Fees
Card Courier Fee
R95.00
R55.00
R4.35
Cash Swap
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid
agreement exists)
R130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
As a student we understand that managing your cash and finances should be the least of your worries,
which is why we offer two different pricing options and low Account Fees.
Two pricing options are available to ensure you always get exactly what you need, without paying
too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and
always be in control of what you pay.
On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.
Qualifying transactions include:
Debit orders
Card purchases
TM
You also get four FREE FNB ATM withdrawals every month.
Pay-As-You-Use Pricing Option: You will not pay the monthly Account Fee if you keep a minimum of R500
in your account at all times. This option is for you if your transactions vary from month-to-month and
you do a combination of electronic and branch transactions. You are charged for each transaction at the
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Unlimited
Pay-As-You-Use
R24.50
R6.00
Monthly Fees
Monthly Account Fee
Online and Cellphone Banking Subscriptions
FREE
InContact
FREE
N/A
R500
FREE
Encore
Cheque
Accounts
FREE
Cash Withdrawals
Cash@Till
FNB Mini ATM/Slimline
Other Banks Mini ATM
FNB ATM
R4.00 per
R500.00
FREE
R6.70 per
R500.00
R28.00
R43.00 + 1.61% of
withdrawal value
R43.00 + 1.61%
of withdrawal
value
R28.00 + 1.61%
of withdrawal
value
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Easy
Easy
Account
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Card Purchases
Keeping
Banking
Simple
Smart
Account
and Islamic
Smart
Account
Introduction
FREE
Credit Card
R3.50
R35.00
FNB Branch
R43.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
Payments
Using Mobile Channels
FNB ATM, Online, Telephone (IVR) & Scheduled
FREE
FREE
R7.00
R35.00
FNB Branch/Cheque
R43.00
Bank Cheque
R80.00
Internal
FREE
R3.70
External
FREE
R16.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
FREE
Branch
R11.50
Deposits
Cash Deposit at FNB ATM
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Debit Orders
Online
Introduction
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
R85.00
R 80.00 (per cheque)
Stokvel
Account
Smart Save
Account
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
R8.50
R8.50
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Pay-As-You-Use
Balance Enquiries
Using eChannels & Mobile Channels
FREE
Point-of-Sale
R1.40
International Point-of-Sale
R2.50
R4.20
R4.20
Statements
Cellphone Banking Mini Statement
FREE
R3.00
FREE
R7.50
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
R80.00
R1.50
R40.00
Mzansi
Account
Social Grant
Stokvel
Account
Send Money
Send Money to an eWallet
R8.50
R20.00
Credit Card
eWallet
R45.00
Forex
R70.00
R105.00
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Unlimited
Pay-As-You-Use
Online
Paper
Daily
R46.00
Weekly
R21.00
Twice Monthly
R11.50
Daily
R85.00
Weekly
R34.00
Twice Monthly
R17.00
R3.00
R3.00
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Email
R0.70
SMS
R1.10
Fax
R5.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Other Fees
Card Courier Fee
R95.00
R55.00
R4.35
FREE
Cash Swap
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid
agreement exists)
Cash Centre Deposit: Error in Cast
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Savings Account
Introduction
Keeping
Banking
Simple
This account is no longer available for new customers. Offering you easy and instant access to your money, you will
not pay a monthly Account Fee if you maintain a Minimum Balance of R2 000 in your account at all times.
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Fee
Encore
Cheque
Accounts
R6.00
FREE
Youth (Fluid)
Account
and Islamic
Youth Account
InContact
FREE
Transaction Description
Monthly Fees
R2 000.00
Card Purchases
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
FREE
2.75% of transaction value
FREE
FNB ATM
Savings
Account
Mzansi
Account
Social Grant
Cash Withdrawals
Cash@Till
Student
(Lifestart)
Account
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
R5.50
FNB Branch
R43.00
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Transaction Description
Fee
Payments
Using eChannels & Mobile Channels
R11.00
FNB Branch
R43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Debit Orders
Internal
R5.50
External
R16.00
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Deposits
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
R8.50
R8.50
Branch Statements
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
FREE
Stokvel
Account
R3.00
Smart Save
Account
Statements
FNB ATM Transaction List
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Social Grant
Balance Enquiries
Using eChannels & Mobile Channels
Smart
Account
and Islamic
Smart
Account
R1.50
eWallet
R8.50
Forex
Other Fees
Account Overdrawn Fee (when your Account Limit has been exceeded)
R57.00
Any other fees not specifically mentioned above are charged at Personal Cheque Account Pay-As-You-Use fees.
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Mzansi Account
Introduction
This account is no longer available for new customers. You do not pay a monthly fee. You may for 8 transactions a
month, then you pay an additional fee of R8.00 per transaction. Mzanzi Account holders are limited to a maximum
balance of R15 000 every month and you are allowed to have debit orders with this account.
Transaction Description
Mzansi
Monthly Fees
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
R0.00
FREE
InContact
FREE
FREE
R5.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
FREE
Encore
Cheque
Accounts
Card Purchases
Pay with your Card
Cash Withdrawals
Cash@Till
FREE
R 3.50
R 3.50
FNB ATM
R 6.50
R 6.50
FNB Branch
R 15.00
Deposits
Cash Deposit at FNB ATM
R 6.50
R 15.00
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Prepaid Purchases
Credit Card
R 1.10
R 8.50
eWallet
R 8.50
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Mzansi
FREE
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Payments
Using Mobile Channels
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Debit Orders
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Internal
R 3.50
External
R 6.50
Youth (Fluid)
Account
and Islamic
Youth Account
Online
R 5.00
Student
(Lifestart)
Account
Mobile Channels
R 5.00
R 15.00
Branch
R 43.00
FREE
Branch
R 11.50
Balance Enquiries
Using eChannels & Mobile Channels
FREE
Point-of-Sale
FREE
R 1.25
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Mzansi
Statements
Cellphone Banking Mini Statement
FNB ATM Transaction List
FREE
R 3.00
Posted/Printed Statement
FREE
R 7.50
R 80.00
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Introduction
R 1.50
R4.25 + (R6.70 per R500.00)
Send Money
Send Money to an eWallet
R 8.50
R 20.00
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
My Limit Alert
R 3.00
R 3.00
Smart Save
Account
Credit Card
Monthly
R 0.95
Weekly
R 3.00
Daily
R 15.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Mzansi
Payment Notifications
Email
R 0.70
SMS
R 1.10
Fax
R 5.00
Other Fees
Card Courier Fee
R 95.00
R 55.00
R 4.35
Cash Swap
R 57.00
R 130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Social Grant
Introduction
This account is no longer available for new custsomers and is valid only if you live in the Eastern Cape, and get a
grant of any kind from Eastern Cape Government. You are not permitted to have debit orders with this account.
Transaction Description
Easy
Easy
Account
Account
Social Grant
Monthly Fees
Monthly Account Fee
R 6.50
FREE
InContact
FREE
FREE
Card Purchases
Pay with your Card
FREE
Youth (Fluid)
Account
and Islamic
Youth Account
R 3.50
R 3.50
FNB ATM
R 6.50
R 6.50
FNB Branch
R 15.00
Deposits
Cash Deposit at FNB ATM
R 6.50
R 15.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Smart
Account
and Islamic
Smart
Account
FREE
Cash Withdrawals
Cash@Till
Keeping
Banking
Simple
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Prepaid Purchases
Using eChannels & Mobile Channels
R 1.10
R 8.50
R 8.50
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Home
Transaction Description
Social Grant
FREE
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Easy
Smart
Account
and Islamic
Smart
Account
Payments
Using Mobile Channels
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Debit Orders
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Internal
R 3.50
External
R 6.50
Youth (Fluid)
Account
and Islamic
Youth Account
Online
R 5.00
Student
(Lifestart)
Account
Mobile Channels
R 5.00
R 15.00
Branch
R 43.00
FREE
Branch
R 11.50
Balance Enquiries
Using eChannels & Mobile Channels
FREE
Point-of-Sale
FREE
R 1.25
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Print
Home
Transaction Description
Social Grant
Statements
Cellphone Banking Mini Statement
FNB ATM Transaction List
FREE
R 3.00
Posted/Printed Statement
FREE
R 7.50
R 80.00
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Introduction
R 1.50
R4.25 + (R6.70 per R500.00)
Send Money
Send Money to an eWallet
R 8.50
R 20.00
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
My Limit Alert
R 3.00
R 3.00
Smart Save
Account
Credit Card
Monthly
R 0.95
Weekly
R 3.00
Daily
R 15.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Social Grant
Payment Notifications
Email
R 0.70
SMS
R 1.10
Fax
R 5.00
Other Fees
Card Courier Fee
R 95.00
R 55.00
R 4.35
Cash Swap
R 57.00
R 130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Stokvel Account
Introduction
Keeping
Banking
Simple
Stokvel is a book based savings account for a group of people who want to save together.
Transaction Description
Stokvel
Monthly Fees
Monthly Account Fee
Minimum Balance Required for Rebate
R 5.75
R 5 000.00
Cash Withdrawals
FNB Branch
R 25.00
Deposits
Cash Deposit at FNB ATM
R 1.00
Using eChannels
R 3.50
Statements
Provisional Statement - Branch and Telephone Banking
R 24.00
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Introduction
This account is no longer available to new customers. If you have R5000 in your Smart Savings Account at all times
during the month, you will get 10 free transactions (this does not include cash deposits, special instructions,
penalty fees or statment changes).
Transaction Description
Easy
Easy
Account
Account
Smart Save
Monthly Fees
Monthly Account Fee
Minimum Balance Required for Rebate
R 5.75
R 5 000.00
Cash Withdrawals
FNB Branch
R 25.00
Deposits
Cash Deposit at FNB ATM
R 1.00
Using eChannels
R 3.50
Statements
Provisional Statement - Branch and Telephone Banking
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Keeping
Banking
Simple
R 24.00
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Credit Card
Introduction
Keeping
Banking
Simple
It has grown into the ultimate transactional tool, giving you real value and benefits that make life rewarding
with everyday savings.
Bank
FREE monthly subscription to FNB eChannels and Mobile Channels
FREE inContact; well SMS you every time R100 or more goes into, or out of your account
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
FREE unlimited swipes: all swipes are FREE, that means you save money as there are no transaction fees
when spending on small and big ticket items
We offer you personalised and competitive debit interest rates - calculated for the individual, not
the product
We also offer you credit interest rates
Borrow
Up to 55 days INTEREST-FREE credit
We offer you personalised and competitive debit interest rates of up to 3% lower than other products calculated for the individual, not the product
Insure
Debt Protection Plan cover to settle your outstanding Credit Card debt in the event of death, permanent
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Lifestyle
Should you meet the qualifying criteria, you could qualify for a monthly R50.00 discount on your new
smartphone or tablet offering
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Savings
Account
Mzansi
Account
Student
(Lifestart)
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
To find out more about this pricing option, please refer to the Personal Cheque Account section.
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Monthly Fees
Introduction
Fees that have not changed or have been reduced are reflected in turquoise. For ease of reference, monthly
NCA Card Fees for our product range have been segmented below.
Transaction Description
Fee
R23.00
R5.00
R12.50
R14.50
R135.00
R24.50
R7.50
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
R12.50
R14.50
R135.00
Youth (Fluid)
Account
and Islamic
Youth Account
R53.00
Student
(Lifestart)
Account
R10.00
R13.25
R20.00
R135.00
Mzansi
Account
Social Grant
Savings
Account
R28.50
R7.50
R12.50
R135.00
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Definitions
Introduction
Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your
Credit Card Account
Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your
Credit Facility
Fee
Purchases
Credit Card Purchase
FREE
FREE
% of Value
R4.00
R43.00 + 1.61% of withdrawal value
R47.50 + % of withdrawal value
Platinum
2.00%
Gold
2.25%
Classic
2.50%
Deposits
Cheque Deposits (FREE for Encore)
R20.00
0.70%
Minimum
R5.50
R250.00
^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs
charge an additional surcharge.
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Definitions
Introduction
Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your
Credit Card account
Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your
Credit Facility
Fee
FREE
R3.50
R7.00
R35.00
R43.00
R75.00
International
R250.00
Other Fees
Declined Transaction Fee
R7.50
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
R80.00
R115.00
R385.00
Mzansi
Account
FREE
Social Grant
R195.00
R55.23
Convenience Fees
Send Money to an FNB eWallet
R8.50
R20.00
Pay2Cell
R3.50
LOTTOTM/Powerball Purchase
R2.00
Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)
R2.00
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Credit Card Monthly Account Fees and Credit Facility Service Fees are not negotiable.
Important Information
Credit Card and Petro Card customers over the age of 55 can benefit from a 50% discount on the
Monthly Card Fee, with our Encore offering, however you are required to apply for this product.
Credit Card Terms and conditions apply.
Interest rates are personalised and appear on the Credit Card Statement
Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement
Should you require further information on any Credit Card products or services, please contact Credit
Card Customer Enquiries on 087 575 1111
If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the
National Credit Act
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
eWallet
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
The recipient can access money in the eWallet and doesnt even need a Bank Account.
They can get cash at any FNB ATM, buy prepaid airtime, data, electricity and more.
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Monthly Account Fee
Fee
FREE
R6.00*
R6.00*
Prepaid Purchases
R1.50
R6.00
FREE*
R1.50*
R1.50
FREE
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Other Fees
Stokvel
Account
R6.00
FREE
FREE
Smart Save
Account
FREE
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Forex
Introduction
Keeping
Banking
Simple
With your convenience in mind, we have adapted our Forex for personal banking so that you can effortlessly:
Easy
Easy
Account
Account
Pay in advance for your travel arrangements such as accommodation, cruises, car hire, etc
Next time you need to order foreign currency, pay for shipments from abroad or receive incoming foreign
currency payments, use one of FNBs channels:
FNB Branches
FNB Cellphone Banking (transact once beneficiaries have been saved in-branch)
Rewards
Global Payments
Sending and receiving money in a foreign currency via Online Banking will earn you up to 50% back in eBucks** on the
transaction charges.
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Standing Instructions*
Should you receive money from abroad in a foreign Currency on a regular basis, you can give us permission to
convert these payments on your behalf, and you will earn up to 100% back in eBucks** on the transaction charges.
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Fee
R105.00
1.850%
1.900%
3.000%
FREE
1.850%
Foreign Notes
Foreign Notes Commission (minimum R70)
1.900%
3.000%
International Payments
Outward SWIFT Transfers
Commission (minimum R135, maximum R650)
0.50%
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
SWIFT fee
R100.00
R110.00
Savings
Account
0.50%
Mzansi
Account
R110.00
Social Grant
Money Transfers
Stokvel
Account
R45.00
R70.00
R105.00
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Introduction
Fee
Keeping
Banking
Simple
Foreign cheques
Drafts
Draft Fee
Easy
Easy
Account
Account
1.00%
R100.00
Smart
Account
and Islamic
Smart
Account
Bills Negotiable
Commission (minimum R210, maximum R870)
1.00%
Delivery
Delivery charge
R150.00
Failed delivery charge (if customer is not available when appointment was made)
R150.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
R100.00
R100.00
Cancellation
R100.00
Extension
R100.00
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
R1 140.00
Savings
Account
R75.00
R29.00
R58.00
R111.00
Stokvel
Account
Smart Save
Account
Value R1 000.01+
Inward SWIFTs received in South African Rand
Social Grant
Commission
ZAR Fee
Value R0 - R100.00
R29.00
R0.00
R58.00
R0.00
R111.00
R0.00
R135.00
R35.00
R135.00
R90.00
Value R3000.01+
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Transaction Description
Fee
R15.00
R30.00
R45.00
R48.00
R50.00
R52.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Home
Global Accounts
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
With Global Accounts via Online Banking, you are able to:
Hold your individual foreign investment allowance in a foreign currency by simply transferring
funds from your FNB Cheque Account into your Global Account,
Repatriate authorised capital from abroad or send your foreign earnings from wherever you are in
the world to your Global Account.
(All transactions are subject to the South African Reserve Bank requirements)
US Dollar
British Pounds
Euros
Australian Dollars
Indian Rupees
Chinese Renminbi
Transaction Description
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Fee
R50.00
R50.00
International Payments
0,50%
Stokvel
Account
Credit Card
R100.00
eWallet
Forex
0,50%
Enquire
Interest is paid on Global Accounts and no minimum blance is required. Rates are subject to change.
For Credit Interest Rates, refer to rates on www.fnb.co.za
Social Grant
Smart Save
Account
SWIFT fee
Savings
Account
Mzansi
Account
Global Accounts
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Easy
Smart
Account
and Islamic
Smart
Account
Forex
Global
Accounts
MoneyGram
The Small
Print
Print
Home
MoneyGramTM
Introduction
With MoneyGram from FNB, it is easier than ever to send and receive
cash globally via FNB branches, ATMs and Cellphone Banking.
TM
To
$0.01
$50
$7
$50.01
$100
$10
$100.01
$150
$11
$150.01
$200
$13
$200.01
$250
$15
$250.01
$300
$17
$300.01
$400
$19
$400.01
$500
$24
$500.01
$600
$29
$600.01
$700
$34
$700.01
$800
$39
$800.01
$900
$44
$900.01
$1 000
$49
$1 000.01
$1 200
$55
$1 200.01
$1 500
$63
$1 500.01
$1 800
$70
$1 800.01
$2 500
$90
$2 500.01
$5 000
$140
$5 000.01
$7 500
$240
$7 500.01
$10 000
$290
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Print
Home
Introduction
FirstRand Bank Ltd reserves the right to change pricing and package pricing plans or introduce new fees
from time to time. We will give you at least 20 business days notice of these changes on the FNB website or
Keeping
Banking
Simple
Easy
Easy
Account
Account
on FNB ATMs
You must apply for each facility or product individually. The grant of any facility or product is subject to you
meeting the credit and qualifying criteria of that product or facility
Each facility or product has a set of terms and conditions relevant to that facility or product. We agree these
terms and conditions with the applicant. If there is a conflict between product and facility specific terms
and conditions and what is outlined in this pricing guide, we will follow the normal terms and conditions
that apply to such a facility or product
The Bank reserves the right to change at any time the features of any product or facility
First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider
Standard Terminology
To assist you in comparing FNBs charges with those of other banks, we have, as far as possible, used
standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking
Practice (COBP). In the case where we have used FNB-specific terminology, we have added the table below
indicating the appropriate standardised terminology which may be used by other banks.
Standard Terminology
Card Purchase
Card Transaction
Payment
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print